What next ? Abbey National and Eversheds

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I'm a 'Grabby' victim and have been fighting my case for 2 years now. I have now whittled Abbey National down to 1000 (initially it was over 20,000). Can anybody recommend a solicitor/body who can check the paperwork they have sent me, that removes me from any liability, before I agree, sign, and pay up ?

Also, should I mention the MIG that I paid, and whether they claimed against it ? I am still very bitter to give them a penny, especially as they have still not justified their claim -- any advice would be very much appreciated.


James Goodridge

-- James Goodridge (james-goodridge@supanet.com), September 04, 2001


Not that difficult to do - I appreciate you really want to dot every 'i' and cross every 't', but, all you need to ask them to do is to say that this amount is in "full and final settlement".

That is a key legal phrase which means that they can no longer pursue you and that the debt is fully discharged. It may be as well to ask that any adverse entries from your credit files at Equifax and Experian etc are also removed.

Needless to say get this in writing BEFORE stumping up the cash...

-- Chris (chrsh@hotmail.com), September 04, 2001.

attached is the text from my letter, also to Evershits. Chris is pretty much there with the full and final bit. My letter came from NACABS. The areas I've left in CAPITALS are for the personal bits to be chucked in. I can't definitively say its the best letter but it covers the main bits and did the trick for me. Well done. 1K from 20K is a result. Mine was 1.5K from 18K.

NOMARKS NAME CASE REFERENCE Eversheds Cardiff Fitzalan House Fitzalan Road Cardiff CF2 1XZ


Dear Sirs,

Re: Full and Final Settlement FULL PROPERTY ADDRESS

Further to your letter of the DATE ON THE OFFER LETTER I enclose a cheque made payable to yourselves.

The cheque is made out for THE AMOUNT FOLLOWING BY THE AMOUNT IN WORDS IN BRACKETS as a lump sum in full and final settlement of my liability on mortgage account number PUT YOUR ROLLCODE NERE IF YOU KNOW IT.

The cheque is sent to you strictly on the basis that you confirm in writing that I will be released from all covenants, conditions, terms and further costs of the mortgage.

If you are unable to provide such information of release and cannot accept this amount in full and final settlement of the debt you must return the cheque to me directly and not bank it.

Yours faithfully,


-- (bluemoon@mcfc.co.uk), September 06, 2001.

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